NC Upset Bid Calculator

Calculate the minimum upset bid and required deposit for any North Carolina foreclosure sale. This tool follows NC General Statute § 45-21.27.

Calculate Your Upset Bid

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How Upset Bids Work

In North Carolina, after a foreclosure sale, there is a 10-day upset bid period where any party can submit a higher bid. Each new upset bid restarts the 10-day period.

Minimum Bid Increase

The minimum raise is calculated as:

  • 5% of the first $1,000
  • Plus 10% of the remainder
  • Or $750, whichever is greater

Required Deposit

You must submit a deposit of 5% of your bid amount, with a minimum of $750.

Where to File

Mecklenburg County Clerk of Superior Court

Special Proceedings Division

832 East 4th Street

Charlotte, NC 28202

Phone: (704) 686-0400

Important Deadlines

Upset Bid Period: 10 days from sale or last upset bid

Filing Hours: 8:30 AM - 5:00 PM, Monday - Friday

Note: Bids must be received before 5:00 PM on the last day of the upset period.

Disclaimer: This calculator is for informational purposes only and should not be considered legal or financial advice. Always verify requirements with the Clerk of Court and consult with a licensed attorney before making any bids.